Horoscopes

Aquarius Jan 20-Feb 18

If something seems trickier than at first seemed, don’t get upset or frustrated, just stop and try to see it from all angles. If you have a gut feeling about something, try to follow it at this time as it stands in good stead. Be kind to yourself and be sensitive to your own needs. Keywords. Intuition and be kind to yourself.

Taurus Apr 20 - May 20

You may be thinking of starting a new interest. It could be quite a sociable time coming up this month. Trying to be a listening ear, more than giving advice, you will be surprised how much people will appreciate it. Keywords. Study and sociability

Pisces Feb 19 - Mar 20

You may get some new ideas for ways of sorting out difficult situations. Work with your intuition if possible, try to see other people’s perspectives. Try stepping back from things if they seem a little difficult, sometimes a different view with things make things seem clearer. Keywords. New ideas, intuition and review.

Gemini May 21 - June 20

There could be some changes on the way, so don’t be surprised if you come up with new ideas, or interests. You may need to be a bit flexible with other people and think before you speak, and try to be sensitive to other’s feelings. Keywords. Changes, flexibility and sensitivity.

Aries Mar 21 - Apr 19

Some changes could be about to come your way. If they’re not really to your liking, try and see them more as challenges, and look for opportunities within them. Remember that you have your own values, and don’t be shaken from these, but don’t be too hard on yourself either keywords Changes and opportunities

Cancer June 21 - July 22

There could be some things that feel as though they are being held up right now, be aware and look out for opportunities that may help to sort these hold-ups, so that things will begin to flow freely again. It may also be worth stepping back and looking at the achievements you’ve made this year, and what other things you would like to achieve next. Keywords. Opportunities and goals

Leo July 23 - Aug 22

You may otherwise miss opportunities that could be nearby. It does seem some things will be moving forward even if they have felt on hold for a while. Keywords. Balance and opportunities

Scorpio Oct 23 - Nov 21

Relationships seem prominent, along with your home environment. You may find there are some new interests, or ideas that come to mind for you at this time. Be open to other people’s ideas or suggestions, Try to be aware of being calm, and fair-minded in dealing with others. Keywords. New ideas and fairness.

Virgo Aug 23 - Sept 22

If Life seems a little trying see if there are other ways of dealing with things, to make life easier. You are often fair-minded with others, but can be quite hard on yourself. Don’t underestimate yourself; value yourself as well as others. Keywords Find easier Ways, and make time for you

Sagittarius Nov 22 - Dec 21

It would be useful if you pay attention to your intuition, certainly in regards any situations that may be a little difficult. Try not to let anyone sway you from things that you have strong values about, and keep your integrity that there could be some changes on the way. Keywords. Integrity and changes

Libra Sept 23 - Oct 22

You may have noticed your vitality is little sluggish at the moment, if so, may be time to review lifestyle habits. Any cutbacks are just a little tweak here and there that should make some difference. Try not to let things build up, or take up too much of your time, Try and listen to your intuition. Keywords Changes, intuition Capricorn Dec 22 - Jan 19Home and close

relationships are prominent for you at this time. It seems as though there are a lot of things that need to be done, and a lot of people wanting your time and attention. Try and seek balance for yourself. Somethings may not feel that they are running as smooth as they should, try and keep calm, and know that things don’t stay the same, Keywords. Home, relationships and balance.

Disclaimer This zodiac is for entertainment purposes only please do not take the predictions seriously Marie take no responsibility for your actions

Feeling the squeeze with bills going Up? Here’s some tips how to save money each month

Working out how to save money each month can seriously increase your contributions to your savings goals. The hardest part? Getting started. Once you’ve found the money-saving tips and tricks that work for you, saving becomes a habit rather than a chore.

And nothing says “habit” quite like a monthly goal. Setting a target to achieve each month can give you the consistency necessary to build up a healthy savings account over time. Read on to discover the secrets to saving money each month, so you can start improving your financial health today. How much money should I save each month?

How much money you should save each month depends on your lifestyle and expenses. A good target to aim for is 20% of your overall income, but you should feel empowered to start lower if that seems like too much of a stretch. Remember: Every little bit counts.

So, how do you know if a 20% savings target is too high or too low? It starts with assessing your current cash flow. Take some time to calculate your monthly income and expenditures — basically, the money coming in and the money going out of your bank account. Keep tabs on any expenses that predictably recur each month, such as your rent, and any that fluctuate based on your spending habits. Before we get into actual savings methods, let’s get something out of the way. Saving money doesn’t have to be painful. In fact, you probably should allow yourself a little wiggle room to enjoy yourself — within reason. If you’re too hard on yourself, you may develop an “all-or-nothing” mentality that ultimately undermines your savings goals. With that in mind, let’s look at one saving and budgeting method that may help you reach that 20% savings target. It’s called the 50-3020 rule.

How to use the 50-30-20 rule

If you’re looking for an accessible, easy-to-remember budgeting tool, look no further than the 50-30-20 rule. Created by US Senator Elizabeth Warren when she was a law professor specializing in bankruptcy law, the 50-3020 rule suggests breaking down your monthly expenditures according to the following rules: • 50% of your gross income should go towards your needs, e.g., rent, utilities, debt repayments • 30% should go towards your wants, e.g., eating out, gym subscriptions, holidays • 20% should go towards your savings goals

According to the 50-30-20 rule, you should be saving 20% of your income each month. This is a nice, round number, but think of it more as a guideline than a rigid rule. Putting aside 20% a month can be a bit easier to manage if you have a regular, fixed income. Knowing how much money is coming in and going out can empower you to take advantage of one of the best savings tools of all: automatic deposits. If you set up an automatic deposit that sends 20% of your monthly income into a designated savings account, you won’t have to remind yourself to do it each month.

Another benefit of automating your savings? It prevents your money from sitting in your bank account until you manually transfer it into a savings account — thus reducing the likelihood you’ll spend it. Tips on how to save money each month Now that you’ve got an idea of how much money you should aim to put away each month, here are some tips on how to do it. But remember: While doing all of the following would be an excellent way to start making some serious savings, trying to do too much too soon can be counterproductive.

Instead, start by choosing the tips that seem most achievable. Then, once they become habitual, begin integrating other moneysaving practices into your routine. 1. Start paying off your debt 2. Save money on your utility bills 3. Save money when grocery shopping

4. Reduce your phone bill

5. Cancel any unused subscriptions

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